HSA-Eligible

Is Nicotine Patches & Smoking Cessation HSA-Eligible? (2026)

Smoking cessation products — patches, gums, lozenges, and programs — are HSA-eligible.

Typical Cost

$20–$50/month (OTC); $100–$500 (programs)

Details

The IRS explicitly lists smoking cessation as a qualified medical expense. Nicotine patches, nicotine gum, nicotine lozenges, prescription medications (Chantix/Wellbutrin), and smoking cessation programs are all eligible. OTC smoking cessation products qualify without a prescription since the CARES Act. This is one area where the IRS is surprisingly generous.

Frequently Asked Questions

Are nicotine patches HSA-eligible?

Yes. Nicotine patches, gum, and lozenges are all HSA-eligible — no prescription needed since the CARES Act.

Is Chantix HSA-eligible?

Yes. Prescription smoking cessation medications like Chantix and Wellbutrin are eligible.

Are smoking cessation programs HSA-eligible?

Yes. Doctor-recommended smoking cessation programs and counseling qualify.

Related HSA Expenses

Over-the-Counter Medications

$5–$30 per item

Prescription Medications

Varies widely — $5–$500+ per prescription

Doctor Visits

$20–$300 per visit (varies by type and insurance)

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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All Eligible Expenses

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